摘要
随着科技的发展和社会的进步,身份认证(ID&V)作为一个概念,逐渐走进人们的视野,并向各个领域延伸,因此得到了业界的关注。ID&V包含了用户身份验证和识别,在支付领域中得到了广泛而深刻的应用,在全球支付领域的众多热门技术中都得到了体现,如CD CVM、3DS2.0、支付标记化等。本文从ID&V的定义、认证要素、相关技术手段方面对其做出了阐述,总结了各类技术之间的关系,并对ID&V的未来发展做出了展望。
With the rapid development of society and technology, Identification ＆ Verification （ID＆V） has come into view while expanding itself to other fields, therefore gained public concern. ID＆V has two meanings, which are user identity verification and identification. The concept is widely applied in global payment industry, seen in several important payment technologies such as CD CVM, 3DS2.0, Token Payment etc. This paper intends to address the concept in terms of definition, elements of certificate, technical means, while drawing a conclusion between the relations of these means. The paper also proposes the future expectations of the concept.
作者
李洁
周皓
章明
余言霖
LI Jie ZHOU Hao ZHANG Ming YU Yanlin(China Union Pay Co., Ltd., Shanghai 201201, China)
